The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,717
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,423
−HK$718/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,272
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$687/mo
Today · 4.125%
HK$26,637
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,274/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,260
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$861/mo
Today · 4.125%
HK$28,969
baseline
▲ 0.50% · 4.625%
HK$30,732
+HK$1,763/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,938/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,140
−HK$825/mo
Today · 4.125%
HK$31,965
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,930/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,803
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$1,005/mo
Today · 4.125%
HK$33,798
baseline
▲ 0.50% · 4.625%
HK$35,854
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,596/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,381
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,330
−HK$962/mo
Today · 4.125%
HK$37,292
baseline
▲ 0.50% · 4.625%
HK$39,258
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,584/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,890
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,162
−HK$1,292/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$46,098
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,490
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,710
−HK$1,237/mo
Today · 4.125%
HK$47,947
baseline
▲ 0.50% · 4.625%
HK$50,475
+HK$2,528/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,894/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,231 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).